View Full Version : Holy Snikies!
02-06-2003, 09:20 PM
What's Texas' problem with insurance? Full coverage on the Falco in Cleveland; 250 deductabe= $330/year with State Farm.
Austin, same coverage $680/year. Would be somewhat acceptable, but our autos doubled as well.<img src=http://www.ezboard.com/intl/aenglish/images/emoticons/embarassed.gif ALT=":o">
Could get lower on the autos and Home owners thru Allstate, but the Falco goes to $1400/year. They suggested Dairyland; quote=$3030/year. They could only justify that rate with it's a "high performance sport bike". I told them that I(clean record, no claims, 30+) would ask the "high performance sport bike" to pay the premium.:p They didn't like that.
Any suggestions on Ins. from the Texans out there?
02-06-2003, 10:41 PM
I was paying $600 with Geico. Now I have an accident on my record and my rates have climbed to $1300. :eek:
My payment is due on the 9th by the way, so if you have any suggestions... I am all ears.
I tried Progressive, Bikeline, Dairyland... they were all higher.
Help. <img src=http://www.ezboard.com/intl/aenglish/images/emoticons/ohwell.gif ALT=":\">
02-07-2003, 12:08 AM
if you're over 25?
02-07-2003, 07:53 AM
Rates on bikes seem to be totally illogical at times.
Dairyland wouldn't write me a policy on the Falco (not even liability).
Progressive was $79 bucks (liability only)
I generally self insure my bikes and just get liability. With the rates getting like they are it makes sense as long as you don't need full coverage for financing reasons.
And as long as you don't crash :eek:
02-07-2003, 08:15 AM
Try this guy:
Wayne Shaw - Strictly Cycles (www.strictlycycles.com)
02-08-2003, 11:48 PM
I am interested too. I am paying 1100 /year on my falco and they just told me it would be going up 125 /year on renewal.Hola back!:eek:
micah apriliaforum com
02-09-2003, 03:21 PM
God only knows what my insurance will be at renewal time...Got two tickets in the Girl Friends Camry today, one for the dealer temp tag being two days expired and another ($1000) ticket for having the old and not the new insurance card in the car...I hate Traffic Cops...sorry if this offends but, this day is going real bad real fast.
02-09-2003, 07:29 PM
I'm not sure if that would affect your rates since it isn't something like speeding.
02-10-2003, 11:17 AM
Confirm *$1,000* for incorrect insurance info???:eek: As stated above non-moving violations shouldn't affect your insurance rates.
02-10-2003, 01:16 PM
IF you actually have insurance and just didn't have the card, the ticket will be automatically dismissed once you provide proof of insurance. That's the way the law is written. The law also says the maximum fine is $350.
Even if you DON'T have any insurance at all, it does not count as a moving violation AFAIK. The law states that if you have 2 violations for no insurance they will suspend your license, so it appears to be a seperate category than moving violations.
FYI, for moving violations, 4 in the same year or 7 in 2 years will get you suspended in Texas. And you can take defensive driving once a year to make one moving violation vanish.
I know all of this because when I got pulled over by a fat jerk cop in the Rio Grande valley yesterday evening and I couldn't find my wife's insurance card. Fatboy was ignorant of the law regarding the ticket he wrote me so I had to look it up when I got home to make sure they will drop it when I send proof of insurance in. I will most likely take defensive driving for the 54 in a 35 he gave me as well unless I can find a good lawyer in the valley who can make it go away.
02-12-2003, 07:49 AM
I sold my Daytona since all the insurance companies I could find moved it into the "High Performance Sportbike" category and it would have went from $250 full coverage to well over a grand. So I bought a Falco (good move, huh?) and got full cov. for $400 a year from Progressive (over 40, no record). But if it moves over a grand I'll go to liability only and look for another bike the insurance nazi's haven't figured out yet. But will definitely keep the Falco. Motorcycle Consumer News did a nice article a couple months back and what they found was just keep looking, the quotes varied widely for the exact same bike/rider/state. Good luck.
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